Online application for a SBA small business loan or fast cash capital.

SBA small business loan. Submit an online application to learn about a SBA small business loan. Read our tips on applying for a loan and how to avoid guaranteed business loan scams. Or consider a small business credit card.

Want fast cash capital? Apply for a cash advance payday loan.

Free Software to Track Business Expenses
* Log and Itemize Expenses by Category
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* Easy to use, like an Electronic Checkbook Register
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Credit Card Offers

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First Option MasterCard®

The First Option MasterCard® Secured credit card is a Real credit card that will provide you with all the privileges of MasterCard® credit card.

* No Credit Check

* Approved Regardless of Credit History*

* Credit limits up to $5,000.00

* Reports to All 3 Bureaus

*See Card Terms and Conditions

AccountNow® Prepaid MasterCard® Card

AccountNow® Prepaid MasterCard® Card is a pre-paid card that can be used anywhere MasterCard® is accepted.
~ 100% guaranteed approval*
~ Free credit builder and bill pay
~ $0 activation fee with direct deposit
~ New! Now with the iAdvanceSM loan option
~ This is a debit-card, not a credit card
* See Card Terms and Conditions

CurrentSM by Discover®

Current by Discover® - Teen Prepaid Debit Card
* Debit Card for Teens with built-in parental controls
* Set daily, weekly, and monthly spending limits
* Restrict teen card use in unwanted shopping categories (e.g. liquor stores, tobacco stores, hotels, etc.)
* Free Direct Deposit for parents & teens
* Free deposits from any credit card or bank account
* $0 fraud liability guarantee
* Withdraw cash at ATMs
* Get exclusive discounts at teen's favorite merchants
* Free e-mail and text message activity alerts
* No minimum balances, loading fees, or credit check
*View Rates, Fees, Rewards and Other Important Information

Miles by Discover® Card

Sign up for the Miles by Discover® Card today and travel with no restrictions, Earn Miles Faster and redeem for your choice of rewards. Apply Now!
* Book any travel, anytime with no blackout dates or restrictions
* Double Miles on up to $3,000 in travel and restaurant purchases each year
* 1 Mile for every $1 on all your other purchases – personal and business
* Unlimited Miles
* Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
* No Annual Fee
* Online Account Access
* Online Bill Payment
*View Rates, Fees, Rewards and Other Important Information

Platinum Delta SkyMiles® Credit Card from American Express®

Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase with the Platinum SkyMiles® Credit Card from American Express. Apply Now!
* Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an additional cardmember.
* Earn one companion Coach Class ticket each year upon renewal
* Earn at least 1 mile for every eligible dollar spent
* Miles never expire and there is no cap on the miles you can earn
* Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your card
* Express Approval. Get a decision in less than 60 seconds.
*See Card Terms and Conditions

Millennium Advantage Pre-Paid Mastercard®

The Advantage is yours - apply for The Millennium Advantage Card TODAY! The Millennium Advantage Card is a pre-paid MasterCard® that gives you the convenience of paying bills on-line or over the telephone, making on-line purchases and using your card wherever the debit MasterCard® brand is accepted.
* Use your card at over 900,000 ATMs and millions of locations worldwide!
* No credit check or income verification required
* No Chexsystem check
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* Phone and On-line account access
* Shop and pay bills on-line!
*See website for complete terms and conditions of card usage and application disclosure.

Escape by Discover® Card

Apply for the Escape by Discover^® Card!

*Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases

*Flexible redemption options for travel, gift cards, or cash.

*Double Miles through our exclusive online shopping site

*0% for 6 months on Purchases and 0% for 6 months on Balance Transfers

*View Rates, Fees, Rewards and Other Important Information

Thousands of small businesses in America have benefited from Federally guaranteed funding.

When applying for a Small Business Administration loan, you will need to submit a proposal. Here's how to proceed:

Begin your proposal with a cover letter or executive summary, and define who you are, your business background, and what your business is about. Include the amount you desire and the purpose for the business loan, as well as how you want to repay the loan and how it will benefit your business.

Description of Business: Provide a written description of your business, including the following:

Type of organization

Date of information

Location

Product or service

Brief history

Proposed Future Operation

Competition

Customers

Suppliers

Management Experience: Resumes of each owner and key manager.

Personal Financial Statements: The Small Business Administration demands financial statements of all principal owners (20% or more) and guarantors, and attach a copy of the previous year's federal income tax return.

Loan Repayment: Provide a short statement as to how/when the loan will be repaid.

Proposed Business: Provide a pro-forma balance sheet showing sources and uses of both equity and borrowed funds.

Projections: Provide a projection of future operations for at least one year or until positive cash flow can be shown, with earnings, expenses, and reasoning for these estimates.

Advance fee, guaranteed business loans:

Be careful when dealing with anyone who offers a guaranteed business loan for bad credit people. Companies making these guarantees ask applicants to pay a processing fee, which means paying for the privilege of getting a loan, and then there's not always a guaranteed loan approval. And even worse, instead of getting a guaranteed business loan as promised, all the recipient receives is a list of places to apply, or is merely referred to a lending source which doesn't require an advance fee.

Although there are legitimate resources online that can help you with your small business loan application, keep in mind that only the federal government can promise a federal business loan, or any loan from the government. Non-government agencies and companies can tell you about federal loans, how much money is available, and how to apply, but no one outside of the government can actually guaranty a federal government loan.

Here are tips to help you avoid guaranteed business loan scams:

Don't believe all promises of a guaranteed loan regardless of bad credit.

Don't pay an advance fee or deposit.

A legitimate lender will not guarantee a business loan by pre-paying.

To report an advance fee guaranteed loan scam, call (800) 876-7060 or use the complaint form on the www.fraud.org Web site. The information will be supplied to the Federal Trade Commission and other law enforcement agencies.

Need more information? Read our financial and credit articles related to business loan, and join our online financial newsletter.

Increased Bankruptcy Filing

Due to the mortgage crisis and personal debt, bankrupcty filing by people (not including businesses) increased. Download our free software to create a budget and to track expenses.

Experian Intelliscore Credit Score Lowers Risk

The Intelliscore PlusSM from Experian helps lower risk by accessing business and business owner credit scores and future potential to become a high risk.

Business Credit Card Benefits

Credit card companies reach out small business owners with business credit card benefits as well as unique promotion programs. Apply for a gas card or an airline miles travel credit card.

American Express Business Travel Savings Tips

American Express offers free business travel savings tips. Apply online for a consumer or business travel credit card or other rewards.

Government Auctions & Seizures

You have the same free right to Government Auction, Grant, Unclaimed Money and Seizure information as any other American or business, with no fee payment and no credit card required.

Credit Card FAQs

Common questions turned into credit card facts. Apply for a good or bad credit card. Choosing between the best credit card offers can be hard. Consider a no interest 0 intro balance balance transfer, a pre-pay ATM or a pre-paid debit secured credit card, or unsecured credit card benefits that offer travel, miles, discount and vacation rewards. Pick between American Express, Chase, Discover, MasterCard and Visa, even if you need a joint consumer or business credit card.

ATM Debit Card Security

Discover Card wants to remind cardholders of ATM and Debit Card security tips. Browse and apply for a good or bad credit card, whether a pre-pay secured credit card, an unsecured rewards card with vacation points and miles or a travel business credit card.

Visa Business Savings

Visa explores cost savings through the Visa Enhanced Commercial Card Program Optimization Tools. Apply for a Visa business credit card or a consumer platinum or gold Visa credit card.

American Express Delta Air Lines Delta Reserve Credit Card

American Express; and Delta Air Lines, launch a travel credit card for both consumers as well as small business owners, called the Delta Reserve Credit Card. Apply for a business or vacation airline sky miles card.

Credit Card Fair Fee Act

Federal Government's Credit Card Fair Fee Act takes on Visa and MasterCard credit card companies to help business merchants negotiate transaction processing costs.

Business or Personal Credit Card

Should you get a personal credit card or a small business credit card? Which would offer you the best rewards and benefits?

American Express SimplyCash Business Card

The SimplyCash card from American Express gives small business owners automatic cash back rewards on virtually all purchases.

MasterCard Small Business Women

A MasterCard survey outlines the keys of successful small businesses owned by women.

American Express Starwood Preferred Guest Credit Card

American Express launches the Starwood Preferred Credit Card for consumers as well as small business owners, to make earning free hotel nights and sky miles easier.

MasterCard World Elite Credit Card

MasterCard launches a new credit card called World Elite, which is an exceptional new card for affluent people and business owners.

MasterCard Small Business 50000

MasterCard Worldwide "Build Your Business" Sweepstakes Gives Small Business Owners a Chance to Win $50,000 to Spend However They See Fit

Citi Home Depot Business Rewards MasterCard

Home Depot business rewards MasterCard charge card.

New Discover Business Card

New Discover Business Card. Also browse our menu of other various business credit card offers.

American Express Open for Small Business

Open, from American Express, helps small business owners zero in on business needs.

American Express Services for Business Travel

American Express creates a global advisory services unit for its business travel members.

IRS Seeks Credit Card Reporting

To ensure small business owners pay all due taxes, the IRS wants credit card issuers to report on transactions.

MasterCard Small Business Survey

A survey conducted by MasterCard reveals 84% of small business owners don't believe they will be victims of natural disasters, whereas 77% believe they are not fully prepared.

MasterCard Card Promotions

MasterCard announces MasterCard Monthly Bonus Sweepstakes and Small Business Zero Liability.

Pensions

Business is booming for financial planners big and small tapping the growing market of workers who no longer trust retirement planning and pensions to employers.

Airline miles, hotel and gas credit card offers.

Whether for business or for vacations, an airline sky miles credit card, a hotel credit card and a gas card can help offset travel costs.

Investment Scams and Investing Fraud

The business of investment fraud, investment swindles and scams. Read our free investment guide to avoid being a victim.

Business Credit Cards

Apply for a small business credit card. Pick rewards such as cash back, or a sky miles travel credit card.

Democrats Demolish Economy

Trying to look like crusaders for the common American, democrats are demolishing the economy; business-by-business, increasing unemployment, widening the trade deficit and burying generations to come with big government debt.

Estimated Taxes

Estimated Tax Time for Business Owners. If you are an independent contractor or you may have started your own business due to being laid off. Quarterly taxes are due on June 15th.

Emergency Loans for Small Businesses

Small business owners may have a chance of getting a loan that could help pay for debts and the loan may be interest free. Applicants can apply for up to $35,000 and there would not be a repayment due for twelve months. The SBA (Small Business Administration) will be releasing more details later.

President Tax Relief Plan

The President's tax plan gives tax relief to middle class families and tax cuts for small businesses to create jobs in America.

Government Bad Bank?

To help banks regain strength, the Federal Deposit Insurance Company (FDIC) proposes using a 'bad bank' plan. Bad banks are used to accept risky assets from otherwise good banks. By diverting risky assets to bad banks, banks can improve their financial strength and stay in business.

Business Bankruptcy Loans

Approval is becoming difficult; and interest rates are rising, for loans to any business that has filed bankruptcy.

Credit Cards Vs Checks

According to a Visa survey, more companies plan to increase use of credit cards instead of paper checks for making payments. Browse and apply for a consumer or a business credit card.

Small Business Worries

According to the American Express Small Business Monitor, worries over the economy are at an all time high. Browse and apply for a business credit card.

Discover Small Business Report

Discover(R) Small Business Watch(SM) reports that business economic confidence is declining sharply. Apply for a business credit card, or for consumer rewards such as a vacation or travel credit card.

Small Business Cash Flow Improves

Take advantage of rewards offered by business credit cards. According to the Discover(R) Small Business Watch(SM), small business cash flow issues improve.

American Express Membership Rewards®

For extra perks and rewards to offset gas and other vacation costs, consider travel credit card; whether personal or a business credit card, that offers that offer hotel, fuel and sky miles. American Express Membership Rewards® Program adds more partners.

Visa Helps Students Start Small Business

Visa Helps Students Start Small Business. Browse and submit an online application for a small business credit card or a student credit card.

Small Business Vacations

Small Business Vacations. Travel tips from American Express OPEN. Browse and apply online for a travel credit card that offers airline sky miles, gas rebates, motel discounts, special entertainment programs and more.

Business Financial Advice

Business financial advice - Which is best, to buy or lease equipment? Apply for a large or small business credit card.

CitiStreet and Citigroup Health Care

CitiStreet and Citigroup's Cash Management Business will offer a new health care product.

JPMorgan Chase Expansion

JPMorgage Chase will acquire The Bank of New York's consumer, small business and middle market banking businesses in exchange for corporate trust operations.

Small Business Credit Card Approval

The use and acceptance of small business credit cards increases. Consider a credit card as a convenient unsecured personnel loan resource to pay employees during cash flow shortages.

American Express Open

Open, from American Express (SM) and Sovereign Bank form strategic partnership to serve small business owners. Apply for a small business credit card.

American Express Business Travel

American Express Business Travel. Apply for a travel credit card that offers rebates for gas purchases and motel stays, or builds airline sky miles.

American Express Business Travel

American Express Business Travel wins award.

Business Travel

AmericanExpress Business Travel made easier. Apply for a travel credit card that offers gas rebates, airline sky miles, hotel and motel perks.

Business Travel Costs

American Express business travel reports costs continue to climb. Get a small business credit card for airline sky miles, motel, hotel, gas and other perks.

Small Business Optimistic Future

Small business has an optimistic future according to MasterCard International. Apply for a business credit card as an unsecured personnel loan resource during low cash flow.

Visa Small Business

Visa small business credit card growth expected to continue.

Need money for a car loan downpayment? Here are some ways to get cash:

* Borrow money from a whole life insurance policy. If you have a whole life (not a term life) insurance policy and if you've had it for at least a couple years and you've kept payments current, chances are it has built up a cash value. The amount of the cash value is determined by the benefit amount and the length of time you've had the policy. You can either payback the cash value, or have the loan taken from the death benefit.

* Borrow money from a retirement account. This option should only be used in the most dire circumstances, as you should never jeopardize your retirement funds.

* Borrow money from friends and family. Instead of asking just one friend or one family member to loan you the full amount you need, borrow bits from several people so no one person is coughing up the full wad of money. Don't make them ask, you should volunteer and even write-up an IOU as well as detail the repayment plan. If you want to know how much interest you should pay each one per the amount each lends to you, use our free financial calculators.

* Get a short term personal loan. This option should be used only if you can repay the loan upon your next paycheck.

* Have a garage/yard sale. You might be surprised how quickly those $1 items can add up. For better results, get the neighbors around you to participate, because by having more items on display and spread-out over several lawns, you'll attract more street traffic.

* Ask family/friends what services they need that you can perform for a fee. Tell them your goal of scraping money together for a new car downpayment. Perhaps your neighbors have latch-key kids that need babysitting, or need help cleaning their homes? What about car oil changes? Washes?

* Borrow money from yourself. How much money do you waste on coffee? Sodas? Put that money into a new-car-jar. At $20 per week, every five weeks generates $100. This may not be enough to get you behind the wheel, but it will help add to your downpayment efforts.

* Ask your boss for a loan against your salary. See if your employer will loan you; say $1,000, and take out $100 per payday till it's repaid.

* Ask your boss for overtime or extra work. If your employer hires janitors, that could be a lucrative opportunity for you. You are already there, so you won't need to drive to a second job. At the end of the day just roll up your sleeves and put on an apron!

* Charge the downpayment to your credit card. What? Actually this makes more sense than using cash, because if there's a problem it's easier to recoup your downpayment via a credit card transaction than if you had paid with cash. For optimum results; of course, you should payoff the charge right away.

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Credit Card: Browse good and bad credit card applications including instant approval credit cards, gold, platinum, and guaranteed card offers.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

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Free Credit Offers: Get no obligation credit offers plus tips and alerts to help manage your personal finances.

Home Loan: Stop paying rent and live the American dream with home ownership.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out, debt consolidation or other reasons.

Payday Loan: Get a good or bad credit unsecured loan with no credit check, no security (collateral) and no cosigner.

Personal Loan: Short or long term personal loan up to $10,000 (as available, or view alternative loan options).

Personal Finance: How to file bankruptcy and get free bankruptcy forms, create a household personal budget, balance a checkbook and more. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt assistance, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

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Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.

Browse other business loan and card offers.

Online application for a SBA small business loan.